Seriously overdue credit card debt is at the highest level in more than a decade, and people 35 and under are struggling more than other age groups to pay their bills. The share of credit card debt that’s more than 90 days overdue rose to 10.7% during the first quarter of 2024. That's according to the Federal Reserve Bank of New York. A year ago, just 8.2% of credit card debt was severely delinquent. If you’re experiencing delinquency, or at risk of it, experts advise speaking with a nonprofit credit counselor and negotiating with your creditors directly. Experts stress that most credit card companies and other lenders have hardship programs available.